The cheapest car insurance in North Carolina costs $90 per month for a full coverage policy from Erie Insurance. That’s a $55 savings from the average cost of insurance in the state, which is $145 a month.
“Drivers looking to get the cheapest insurance premiums in North Carolina should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren McKenzie, senior insurance agent, A Plus Insurance.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in North Carolina including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- Among the companies analyzed by CarInsurance.com, Erie Insurance stands out as the cheapest option for full coverage car insurance in North Carolina, with an insurance premium of $90 per month.
- Drivers in North Carolina with a clean record pay 76% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in North Carolina is Lake Junaluska, with an annual premium of $1,477 .
- North Carolina drivers can save up to 38% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Car insurance companies with cheap car insurance in North Carolina
Erie Insurance has the cheapest full coverage car insurance in North Carolina, at an average premium of $90 per month or around $1,082 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in North Carolina. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in North Carolina per month
| Company | Full Coverage Monthly Rates |
|---|---|
| Erie Insurance | $90 |
| State Farm | $98 |
| North Carolina Farm Bureau | $101 |
| Nationwide | $126 |
| Geico | $135 |
| Penn National Insurance | $156 |
| Farmers | $169 |
| Progressive | $169 |
| UTICA Grp | $173 |
| Allstate | $249 |
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Who pays the lowest auto insurance premiums in North Carolina?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 6% less than single drivers.
- North Carolina drivers with clean records pay 76% less than drivers who have a DUI on their records.
- North Carolina drivers in their 20s pay 62% lower rates for insurance than a 16-year-old in North Carolina.
- Adding a teen to your policy will cost you 58% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 56% less on their insurance premiums.
- Drivers insured for three or more years can save up to 16% on their insurance costs.
Cheapest North Carolina companies for different coverage levels
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Erie Insurance is the cheapest for a state minimum policy.
- Erie Insurance has the cheapest rates for a liability-only policy (50/100/50).
- Erie Insurance offers the cheapest car insurance for a full coverage policy (100/300/100) in North Carolina.
The numbers above (100/300/100) represent coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest companies for state minimum coverage in North Carolina
North Carolina requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $30,000/$60,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
Below, you’ll see average annual rates for major insurance providers in North Carolina, ranked from cheapest to most expensive for state minimum coverage.
| Company | State Minimum Annual Rates |
|---|---|
| Erie Insurance | $309 |
| State Farm | $331 |
| North Carolina Farm Bureau | $338 |
| Nationwide | $425 |
| Geico | $492 |
| Penn National Insurance | $493 |
| Farmers | $530 |
| Progressive | $530 |
| Allstate | $667 |
| UTICA Grp | $695 |
Cheapest insurance providers for liability-only coverage in North Carolina
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Below, you’ll see average annual rates for major insurance providers in North Carolina, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| Erie Insurance | $345 |
| State Farm | $370 |
| North Carolina Farm Bureau | $380 |
| Nationwide | $405 |
| Geico | $539 |
| Penn National Insurance | $547 |
| Farmers | $588 |
| Progressive | $588 |
| Allstate | $737 |
| UTICA Grp | $768 |
Cheapest full coverage in North Carolina
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The following table lists the average annual rates of major insurance companies in North Carolina from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| Company | Full Coverage Annual Rates |
|---|---|
| Erie Insurance | $1,082 |
| State Farm | $1,180 |
| North Carolina Farm Bureau | $1,217 |
| Nationwide | $1,513 |
| Geico | $1,617 |
| Penn National Insurance | $1,872 |
| Farmers | $2,028 |
| Progressive | $2,028 |
| UTICA Grp | $2,070 |
| Allstate | $2,994 |
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in North Carolina, by driving history
Your driving history affects how much you pay for insurance in North Carolina because insurance companies use it to assess the risk associated with insuring a driver.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In North Carolina, drivers with a history of such violations typically pay $1,326 more annually than drivers with clean records.
Cheap car insurance in North Carolina after a speeding ticket
A speeding ticket can impact your North Carolina car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, Nationwide has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,582 a year.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| Nationwide | $1,135 | $1,582 | 39% | $447 |
| Erie Insurance | $1,075 | $1,670 | 55% | $596 |
| North Carolina Farm Bureau | $1,265 | $1,777 | 40% | $512 |
| State Farm | $1,251 | $1,826 | 46% | $574 |
| Kemper Insurance | $1,071 | $1,850 | 73% | $779 |
| Geico | $1,034 | $1,973 | 91% | $940 |
| National General Insurance | $1,539 | $1,988 | 29% | $449 |
| Progressive | $1,860 | $2,638 | 42% | $778 |
| Allstate | $2,339 | $3,381 | 45% | $1,042 |
Cheap car insurance rates after a DUI conviction in North Carolina
North Carolina drivers with a DUI on their record can get the cheapest car insurance from National General Insurance at an average of $4,020 a year, followed by Nationwide with an annual premium of $4,249 annually, based on recent data.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 76% less than drivers with a DUI on their record.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| National General Insurance | $1,539 | $4,020 | 161% | $2,480 |
| Nationwide | $1,135 | $4,249 | 274% | $3,114 |
| Erie Insurance | $1,075 | $4,492 | 318% | $3,417 |
| Kemper Insurance | $1,071 | $4,571 | 327% | $3,500 |
| North Carolina Farm Bureau | $1,265 | $4,747 | 275% | $3,481 |
| State Farm | $1,251 | $5,078 | 306% | $3,827 |
| Geico | $1,034 | $6,904 | 568% | $5,870 |
| Progressive | $1,860 | $7,147 | 284% | $5,287 |
| Allstate | $2,339 | $9,938 | 325% | $7,599 |
Cheap car insurance rates after an at-fault accident in North Carolina
If you’re a driver with an at-fault accident on your record, Kemper Insurance is the cheapest option, offering car insurance at an average cost of $1,699 annually.
Erie Insurance is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $1,719 .
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| Kemper Insurance | $1,071 | $1,699 | 59% | $628 |
| Erie Insurance | $1,075 | $1,719 | 60% | $644 |
| North Carolina Farm Bureau | $1,265 | $1,828 | 44% | $563 |
| State Farm | $1,251 | $1,884 | 51% | $632 |
| Nationwide | $1,135 | $1,937 | 71% | $802 |
| National General Insurance | $1,539 | $2,239 | 45% | $700 |
| Progressive | $1,860 | $2,715 | 46% | $855 |
| Geico | $1,034 | $2,821 | 173% | $1,787 |
| Allstate | $2,339 | $4,317 | 85% | $1,978 |
Cheapest car insurance rates by state
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Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In North Carolina, Lake Junaluska stands out as the city with the lowest auto insurance rates, at an average of $1,477 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in North Carolina with the lowest auto insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Lake Junaluska | $1,477 |
| Marble | $1,488 |
| Marshall | $1,489 |
| Cherokee | $1,490 |
| Highlands | $1,494 |
| Tuckasegee | $1,494 |
| Robbinsville | $1,497 |
| Franklin | $1,498 |
| Hayesville | $1,499 |
| Otto | $1,499 |
A detailed guide on the 10 most important factors that influence car insurance rates
Average savings on car insurance in North Carolina
By comparing car insurance quotes, you can save an average of 38% per year for a full coverage policy in North Carolina.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in North Carolina: Save on premiums
North Carolina drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in North Carolina.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Air bags | 1% | $16 |
| Anti-theft device | 1% | $8 |
| Daily commute | 2% | $21 |
| Days advanced purchase | 9% | $194 |
| Education | 9% | $145 |
| Electronic funds transfer | 6% | $144 |
| Homeowner | 3% | $83 |
| Loyalty – years renewal with company | 13% | $174 |
| Marital status | 6% | $70 |
| Multi policy | 8% | $147 |
| Paperless/electornic documents | 2% | $27 |
| Payment type | 6% | $125 |
| Primary use | 19% | $314 |
| Profession | 5% | $74 |
| Safety devices | 1% | $13 |
| Telematics | 11% | $221 |
| Years insured | 14% | $547 |
| Years licensed | 48% | $2,367 |
Final thoughts on cheap car insurance in North Carolina
Our research shows that Erie Insurance has the cheapest full coverage car insurance rates in North Carolina for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in North Carolina, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of North Carolina for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 30/60/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of North Carolina